5+ years in finance, secondary marketing, capital markets, or analytical roles
Strong organizational skills to manage processes and meet deadlines
Advanced Microsoft Excel skills, including complex workbooks with large data sets
Ability to analyze complex financial data and provide actionable insights
Self-starter with minimal supervision required
Responsibilities
Oversee third-party valuation of MSR assets and analyze valuation assumptions
Develop cost-of-service models for profitability analysis and pricing decisions
Build robust margin analysis for origination channels
Create daily secondary marketing P&L to track changes in financial position
Support vendor contract negotiations to reduce overhead costs
Lead financial planning, budgeting, and forecasting activities
Perform complex ad hoc analyses to address evolving business needs
Benefits
Opportunity to work in a highly visible and dynamic role
Engagement in strategic decision-making and financial performance improvement
Exposure to a variety of financial analysis and modeling tasks
Chance to influence company growth through actionable insights
Support for professional development and continuous learning opportunities
Full Job Description
Summary
The Senior Financial Analyst plays a critical role in supporting TruHome Solutions' financial performance, strategic decision-making, and continued growth through advanced financial analysis, modeling, planning, and executive reporting. This highly visible, dynamic position requires an intellectually curious, exceptionally analytical, and adaptable professional who can quickly understand complex business concepts, navigate ambiguity, and translate financial and operational data into meaningful, actionable insights. Responsibilities span financial planning and forecasting, profitability and cost analysis, client pricing and contract negotiations, financial modeling, and executive-level reporting, along with a broad range of strategic initiatives and ad hoc analyses. The ideal candidate is a quick learner and independent thinker who thrives in a fast-paced, evolving environment, proactively identifies issues and opportunities, challenges assumptions, and develops creative, data-driven solutions to complex business problems.
Servicing
Oversee 3rd party valuation of MSR asset, including month-over-month valuation attribution, interest rate shocks, and sensitivities to primary variables
Calculate the Company's actual metrics to compare against MSR valuation assumptions to test soundness and reasonableness of 3rd party valuation
Develop and refine cost-of-service models that accurately distinguish fixed, variable, allocated, incremental, and marginal costs to support profitability analysis, pricing decisions, and strategic planning.
Evaluate MSR financing options and negotiate terms
Evaluate opportunities to maximize escrow deposit earnings associated with MSR asset
Build robust model to value bulk MSR trades, including recapture, cash requirements, return on investment and return on equity
Support expansion of business into Co-Issue channels, and acquisition of flow MSR purchases
Review servicing operational practices for cost saving or efficiency opportunities
Analyze GNMA early pool buyout strategy as interest rates shift, to ensure strategic alignment
Capital Markets/ Secondary Marketing
Build robust margin analysis calculation and database for each origination channel, that includes build up to or erosion of margin between Time 0 vs Time Current vs Time Final margins
Calculate hedge effectiveness based on daily mark-to-market of hedge position and pipeline position
Develop methodology for allocating hedge P&L by product and channel
Build a daily secondary marketing P&L that explains day-over-day changes in P&L and position
Create checks to ensure reconciliation of Buy Price and Sale Price in systems
Support strategic technology and operations projects related to capital markets
Support strategic whole loan sales on an ad hoc basis
Evaluate profitability of Company's many fulfillment clients, to re-price client contracts and improve financial performance
Develop capacity model to support origination team staffing needs
Corporate
Support and participate in vendor contract negotiations renewals to reduce Company's overhead, consolidating vendors/ services where possible
Develop and deliver executive-level reporting and presentations that are clear and concise
Perform comprehensive financial analysis on Company's lines of business, with a focus business performance, financial results, emerging trends, and strategic opportunities.
Lead and support financial planning, budgeting, and forecasting activities
Analyze and explain monthly financial results, including detailed P&L variances, revenue and expense drivers, and deviations from budget or prior periods
Build sophisticated financial models to evaluate business performance, support strategic initiatives, and quantify the financial impact of operational or business decisions.
Perform complex, often time-sensitive ad hoc analyses in response to evolving business needs, executive inquiries, strategic initiatives, and emerging operational or financial challenges.
Identify, develop, and implement improvements to financial reporting, analytical tools, data integrity, modeling methodologies, and automated processes to enhance accuracy, efficiency, and scalability.
Challenge existing assumptions, methodologies, and business practices by applying independent judgment, critical thinking, and creative problem-solving to uncover opportunities for improved financial performance.
Requirements
Bachelor Degree required
5+ Yrs Experience in the Mortgage industry
5+ Yrs Experience in Finance, Secondary Marketing, Capital Markets, or other analytical role
Ability to identify trends and generate actionable business intelligence for senior leadership from raw data
Ability to automate using excel and other technology solutions.
Strong organizational skills with ability to manage processes and guide others to meet necessary deadlines.
Self-starter and ability to work with limited supervision.
Ability to solve problems quickly and efficiently while thinking analytically and logically.
Ability to manage multiple projects, objectives, and deadlines.
Ability to communicate effectively in writing and orally.
Ability to resolve interpersonal conflict and miscommunications.
Ability to maintain a high level of confidentiality.
Ability to analyze complex financial data, identify discrepancies, investigate variances, and provide accurate, actionable financial insights.
Advanced Microsoft Excel Skills (Please note that pivot tables and lookup functions are not considered advanced Excel skills. Must be able to use/ create complex workbooks using multiple large data sets.)
Proficient with accounting software, general ledger systems, and financial reporting tools.
